Can I Draw My Husband's Social Security

Best Credit Cards Without A Social Security Number Of March 2022

Contributor, Correspondent, Editor

Updated: Feb 23, 2022, 11:25am

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Almost card issuers in the U.s.a. volition request credit bill of fare applicants to provide a Social Security number (SSN). This helps credit card companies prevent fraud and protects the general public from identity theft. This requirement is non universal for all cards, even so. For those who do not authorize for a Social Security card or number, in that location are all the same options for opening a U.South. credit card account.

In this article, we outline the top card options bachelor from issuers non requiring a SSN to apply. Alternative forms of ID will be requested in the application procedure, just these offerings provide solutions for those who want to have reward of the security features of a credit menu, to build credit history or to earn rewards on spending.

Note that you may non exist able to employ for some of these credit cards online without a SSN and you may need to go into a depository financial institution branch and apply in person instead.

Find The Best Credit Cards For 2022

No unmarried credit bill of fare is the all-time choice for every family unit, every buy or every budget. We've picked the best credit cards in a style designed to exist the most helpful to the widest diversity of readers.

Show Summary

• Banking concern of America® Travel Rewards credit menu: Best Without SSN Requirement for Skillful Credit
• Deserve® EDU Mastercard for Students: All-time Without SSN Requirement for Students
• Capital One QuicksilverOne Cash Rewards Credit Carte: Best Without SSN Requirement for Fair Credit
• Upper-case letter Ane Platinum Secured Credit Card: All-time Without SSN Requirement for No Credit/Bad Credit

Best Without SSN Requirement for Expert Credit

Bank of America® Travel Rewards credit carte

one.5x Rewards Rate

Earn unlimited 1.5 points per $1 spent on all purchases, with no almanac fee and no foreign transaction fees andRead More

Welcome Bonus

25,000 points

Regular Apr

13.99% - 23.99% Variable APR on purchases and balance transfers

Credit Score

Excellent/Practiced (700 - 749)

Why We Picked It

The Bank of America® Travel Rewards Credit Card is an excellent fit for those who value simplicity over complicated bonus rewards programs. And since it has no foreign transaction fees, it's likewise a corking card to use when traveling.

Pros & Cons

• Earn uncapped rewards
• Bank of America Preferred Rewards clients earn 25%-75% more cashback on every purchase
• No foreign transaction fees

• No bonus categories to heave reward earnings
• No intro 0% APR offer for remainder transfers
• APR tin can exist high, depending on creditworthiness"

Carte Details

• Earn unlimited 1.five points per $1 spent on all purchases, with no annual fee and no strange transaction fees and your points don't expire.
• 25,000 online bonus points later yous brand at to the lowest degree $1,000 in purchases in the offset 90 days of business relationship opening – that can be a $250 argument credit toward travel purchases.
• Employ your carte to book your trip how and where yous want – y'all're not express to specific websites with coma dates or restrictions.
• Redeem points for a argument credit to pay for travel or dining purchases, such as flights, hotel stays, machine and vacation rentals, luggage fees, and also at restaurants including takeout.
• 0% Introductory April for xv billing cycles for purchases. After the intro Apr offering ends, 13.99% – 23.99% Variable APR will employ.
• If you're a Preferred Rewards member, yous can earn 25% – 75% more points on every buy. That means y'all could earn upwardly to 2.62 points for every $1 spent.
• Contactless Cards – The security of a flake menu, with the convenience of a tap.
• This online but offer may not exist available if you leave this page or if you visit a Bank of America financial eye. You can take advantage of this offer when yous apply now.

Best Without SSN Requirement for Students

Deserve® EDU Mastercard for Students

one% Advantage Charge per unit

Earn 1% cash dorsum on all purchases

Welcome Bonus

Ane year of Amazon Prime Student

Regular APR

18.74% Variable

Credit Score

Limited/No Credit

Why Nosotros Picked It

For international students or students without a credit history, the Deserve EDU Mastercard is a compelling option with no annual fee and a apartment 1% greenbacks dorsum reward. However, for those with a solid credit history, better educatee cards are out at that place.

Pros & Cons

• No annual fee
• No foreign transaction fees
• Useful benefits similar prison cell phone protection
• Doesn't crave a social security number to apply, assuasive international students to authorize

• Cash back rewards don't exceed 1%
• High variable APR

Card Details

• Receive one year of Amazon Prime number Student on Deserve later on spending $500 in the first iii billing cycles with your EDU card (Lifetime Value of $59).
• Earn 1% Greenbacks Dorsum on all purchases with your Deserve EDU Mastercard. Once approved, yous'll automatically start earning cash back on all purchases.
• Feel secure with cell phone protection up to $600.
• No eolith required. No annual fees.
• No international transaction fees on purchases abroad then you can travel with conviction.
• No Social Security Number required for international students to use.
• Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and utilize, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
• Manage and track your spending, set up automated payments and securely freeze your bill of fare all through one easy to use app.
• See if you lot prequalify with no bear on to your credit score in minutes.
• Deserve Mastercards are issued by Celtic Bank, Member FDIC.
• Enjoy Mastercard Platinum Benefits intended to make your life easier similar Mastercard ID Theft Prevention™ and Principal Rental®.

Best Without SSN Requirement for Fair Credit

Capital One QuicksilverOne Cash Rewards Credit Carte

1.v% Reward Rate

Earn unlimited one.5% cash back on every purchase, every day.

Regular Apr

26.99% (Variable)

Credit Score

Boilerplate, Fair, Limited

Why Nosotros Picked It

A cracking option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.five% greenbacks back rewards rate. Y'all may as well gain a higher credit line in as picayune equally 6 months from account opening.

Pros & Cons

• Unlimited ane.5% cashback rewards
• Average credit applicants considered
• No foreign transaction fee
• Rewards don't expire

• Loftier APR
• No bonus spending categories to boost rewards
• No welcome offer
• No intro April offering

Card Details

• Earn unlimited 1.five% cash back on every purchase, every solar day
• Earn greenbacks rewards without signing up for rotating categories
• Be automatically considered for a higher credit line in as little equally 6 months
• Monitor your credit profile with the CreditWise® app, free for everyone
• $0 fraud liability if your card is ever lost or stolen
• No limit to how much cash dorsum you can earn, and cash back doesn't expire for the life of the account
• Help strengthen your credit for the time to come with responsible menu utilise
• Go customized alerts and manage your account with the Majuscule One mobile app

Best Without SSN Requirement for No Credit/Bad Credit

Capital One Platinum Secured Credit Carte du jour

Regular APR

26.99% (Variable)

Credit Score

Limited, Bad ()

Why We Picked Information technology

With its flexible security eolith requirement and ability to increment credit line beyond the initial deposit, the Capital letter One Platinum Secured Credit Carte is a rare offer.

Pros & Cons

• Applicants may exist eligible with limited or bad credit
• No foreign transaction fee
• No annual fee
• Security eolith of $49, $99, or $200

• Loftier April
• May not be available to borrowers with seriously damaged credit
• No rewards program

Card Details

• No annual or subconscious fees. Run into if yous're approved in seconds
• Edifice your credit? Using the Capital One Platinum Secured card responsibly could help
• Put downwards a refundable security eolith starting at $49 to go a $200 initial credit line
• You could earn back your security deposit equally a statement credit when you utilise your card responsibly, similar making payments on fourth dimension
• Be automatically considered for a higher credit line in as lilliputian as half dozen months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability and so that y'all won't be responsible for unauthorized charges
• Monitor your credit with CreditWise from Majuscule Ane. It'south free for everyone and checking your credit does not hurt your credit score

Best Credit Cards Without A Social Security Number

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Methodology

The best cards with applications lacking a strict Social Security number requirement were chosen based on welcome bonuses, fees, rewards and other perks. What is best for the majority of consumers, nonetheless, might not be right for yous. Carry informed research before deciding which cards will best aid you lot achieve your financial goals.

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What Is a Social Security Number?

Following the Great Low of the 1930s, President Roosevelt signed the Social Security Deed as part of the New Deal. The act was designed to stimulate and protect the country's recovering economy and protect the personal resources of its electric current and time to come citizens. Since that time, a 9-digit number has been issued to each new U.South. citizen, connecting us all to the Social Security database for life.

This Social Security number (SSN) provides an identification lawmaking used for everything from taxes to credit reports to its original intended purpose: social security contributions and payments. To learn more near SSNs and Social Security in general, check out our guide: What is Social Security?

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Why Do Most Card Issuers Crave Social Security Numbers?

The U.Southward. Social Security database is one of the well-nigh efficient and secure resources banks can apply to verify client identity and personal information. The U.S. Patriot Act of 2001 holds each bank responsible for the individual accounts information technology opens and provides tools for the tracking of illegal activity such every bit money laundering or for the identification of potential terrorist threats. For this reason most banks and credit card companies prefer and almost always require a valid Social Security number.

If an applicant does not qualify for a SSN, another form of ID is required to verify personal information. Alternatives for proof of identification vary depending on the card issuer and the blazon of menu requested. Though a SSN is not required to have a credit file with the credit bureaus, many banks use Social Security numbers to run credit checks earlier approving card applications.

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Carte Issuers That Will Consider Applications Without a Social Security Number

The two virtually popular carte issuers for applicants without an SSN are American Limited and Citibank. These issuers also both offering cards outside the U.S. and if yous take an open account with either issuer in another country, your foreign credit activity volition exist considered.

American Express Global Card Relationship

For existing American Express customers, the American Express Global Carte Relationship plan is a great option for discovering new credit cards. Y'all can access information on available cards simply by logging into your active international Amex account.
To qualify for the program you will demand to provide the number for your existing international account. This business relationship must be in good standing and have been active for at least iii months prior to submitting an application for a new U.S. card.

Citibank Global Cyberbanking

While Citibank does non have an online carte du jour application for its existing customers, it is possible to call the bank directly and asking any electric current account history be linked to an application for a new card. With good history, this should make your application stronger as it helps the bank verify your identity and evaluate your current level of assets and credit history. Calling or applying at a branch in person makes sense particularly for existing Citibank members with a strange account, though your level of assets and credit history will likely need to be substantial and well-established to qualify you lot for the Global Banking program.

Other Banks and Carte Issuers

Depository financial institution of America also offers credit cards without requiring provision of a Social Security number. With a valid ITIN—a number which is only available to those not eligible for a SSN—2 great cards you may authorize for are the Depository financial institution of America® Travel Rewards credit card for Students* and the Depository financial institution of America® Customized Greenbacks Rewards credit card. Both of these will earn you lot rewards. In society to qualify, however, Bank of America recommends making sure that you accept a good or excellent credit history beforehand. You will also demand to use at a branch in person.

Capital One will also have an ITIN as an alternative ID on its online card applications. For those applying for a start credit card or with a fair or limited credit history, the banking company has a few starter card options likewise. A great menu for this is the Capital Ane Platinum Credit Card . Most new applicants will receive only a small credit line to start, but can qualify for a credit increase after as few as vi months of on-fourth dimension payments. The Capital One QuicksilverOne Greenbacks Rewards Credit Card has an almanac fee, but offers cash rewards for eligible applicants with boilerplate credit or higher up.

Chase is another bank that accepts card applications online with an ITIN, though it may be more hard to qualify with fair or limited credit history as Chase requires a good credit score for nearly menu applications.

Both U.S. Banking concern and Wells Fargo accept an ITIN as a replacement for SSN identification, but this applies to secured cards only.

Unfortunately, Discover and Barclays are 2 widely used companies not accepting carte applications without a Social Security number. If you accept a menu issuer in listen just are unsure nearly their policy regarding SSN identification, we recommend calling a branch direct to observe out more before applying for a card online.

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How to Go a Credit Carte du jour Without a Social Security Number

The most common alternative to providing a Social Security number is to utilise an ITIN, or Private Taxpayer Identification Number, instead. Most credit card issuers accepting card applications without SSNs volition asking this as an culling, forth with other documentation required to verify the identity of an applicant.

What Is an ITIN?

Individual Taxpayer Identification Numbers are only bachelor through the IRS when the applicant obtaining an SSN is non possible. The IRS will assign an ITIN to U.S. workers such every bit immigrants—whether documented or undocumented—foreigners with temporary employment visas or entrants from places such as Republic of cuba or Republic of haiti, as well every bit certain lawful citizens who have survived domestic violence or other crimes and require identity protection.

Information technology is federally required that anyone with a U.S. income file taxes, so the ITIN allows such individuals to lawfully file this income. Residents also every bit nonresidents tin apply for ITINs through the Internal Revenue Service, though qualification is not guaranteed in all cases.

Even though many carte issuers will process an application using a valid ITIN, information technology is probable you will need to provide farther identifying data. Be prepared to evidence a re-create of your passport and/or U.Due south. visa if you lot have one. Some banks may also require that you lot already have some kind of human relationship with them earlier applying for a credit menu, such as holding an existing checking or savings account.

Approvals for someone with neither a SSN or ITIN are rare, though theoretically not impossible.

Prepaid Cards Are a Convenient Last Resort

If you tin't qualify for a credit card without a Social Security number, prepaid cards all the same offer many of the same conveniences with no credit bank check required. Prepaid cards make online shopping easier and are widely accustomed for in-person purchases. Some also provide express protection against loss or theft. Withal, keep in mind that these cards do non build credit history.

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How to Get a Business organisation Credit Card without a Social Security Number

The near mutual solution to applying for a Business Credit Card without an SSN is to apply for an EIN, or Employer Identification Number. Much like the ITIN, this number is issued by the IRS for tax purposes. You equally an individual will more likely first need an ITIN or SSN to and so acquire an EIN for your business. In one case you have a valid EIN and can add it to your credit carte awarding, yous are much more probable to qualify for a business account. Substantial business credit or avails and income will likely be required for a reward-earning or benefit-packed business relationship.

Build Credit without a Social Security Number

Simply by obtaining a credit bill of fare, whether you used a Social Security number or not, y'all brainstorm to build credit. The fundamental is managing credit payments in a responsible manner by always paying on time in full and non exceeding a credit utilization ratio of about 30% across all accounts.

Other types of loans also build credit, then a credit card is non required to build credit. Mortgages, motorcar loans and any other type of loan from an issuer who reports payments to the iii credit bureaus will piece of work to aid build credit.

Bottom Line

Getting a credit carte du jour without a Social Security number is possible, specially if you take or authorize for an ITIN. It'll exist easier to qualify for credit cards if you have an American-based credit history or an established relationship with the bank. Secured cards tin can be a keen place to start until you're eligible for a wider option of cards.

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FAQs

Can you add together an authorized user to a credit card without a SSN?

Peradventure. Depending on the credit card issuer, yous may exist able to add together authorized users without providing a SSN. For example, American Limited requires that authorized users provide a SSN, while Hunt only requests the authorized user'south personal contact information.

Will my strange credit history transfer to the U.Due south.?

Possibly. There is no global standard or system for credit reporting, so your credit score history will probable just exist in the country where yous originally built information technology. That said, when applying for a new credit carte in the U.S., you tin request a credit card issuer or depository financial institution of choice refer to your international score history while assessing your eligibility to start building credit inside the U.S.. Phone call an issuer to ask most specifics regarding your ability to be considered based on a foreign credit report.

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Becky Pokora is an avid traveler with a particular love for the outdoors. She's always looking for new ways to make travel easier, more memorable, and more affordable. You'll find stories, tips, and inspiration here and on her travel blog, sightDOING.

Chauncey grew up on a farm in rural northern California. At xviii he ran away and saw the world with a backpack and a credit card, discovering that the truthful value of any point or mile is the feel it facilitates. He remains well-nigh at domicile on a tractor, but has learned that opportunity is where he finds it and discomfort is more than interesting than self-approbation.

Dia Adams is a noted family unit travel skillful and a real-life Mom of 2 teens in the DC Metro area. She has visited over 45 countries and lived in Thailand, Mainland china, and Ireland (where her son was born). Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more than while keeping their savings and sanity. Her guidebook, Disney Globe Hacks, is a bestseller on Amazon.

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